Good insurance decisions start with asking the right questions. These questions help ensure your cover fits your risks, contracts, and future plans.

Here are some key questions to think about when reviewing your insurance:

Do I have the right type of cover and enough of it? #

Consider whether your current insurance accurately reflects your activities. For example:

• Does it cover your core services or activities, including any recent changes?
• Have you chosen the right limits to match your exposure, contracts, or client expectations?
• Is your sum insured or limit of indemnity still appropriate?

Are there any exclusions, conditions, or limits I should be aware of? #

It is easy to assume you are covered for everything, but policies often have exclusions or conditions that may not be apparent. Ask:

• Are there any gaps in your cover that could leave me exposed?
• Do I fully understand what is not covered or where limits might apply?
• Are subcontractors, contractors, or consultants included if I use them?

Does my insurance meet contract, licensing, or regulatory requirements? #

In many industries, insurance is not just a safeguard; it is a requirement. It is worth checking:

• Does my policy meet the minimum standards required by contracts, tenders, or professional bodies?
• Am I meeting any legal or licensing obligations?

Has anything changed since I last reviewed my insurance? #

Your insurance should keep up with your business. Consider:

• Has my turnover, staff, location, or service offering changed?
• Have I taken on new contracts or risks?
• Are there new exposures, such as cyber risks, that I should factor in?

Am I covered for modern risks such as cyber threats? #

Many businesses need to think beyond traditional risks. It is worth asking:

• Do I have appropriate cover for cyber incidents or data breaches?
• Am I protected against risks linked to providing advice or intellectual property?

How Webber Insurance Helps #

You do not need to know all the answers. That is what we are here for. We help you work through these questions so you can feel confident that your insurance is right for your business. We focus on providing tailored advice rather than one-size-fits-all coverage and guide you as your needs evolve.

If you are unsure about your current insurance or would like a review, contact our team for assistance.